HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Chippewa County, Michigan (FY 2027)
$1,042 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Chippewa County, and it's the baseline every voucher in Chippewa is measured against.
Two-bedroom FMR
$1,042
-2.3% from FY 2026
Payment standard
$938–$1,146
90% to 110% of the FMR, two-bedroom
Income to afford
$41,680
a year, with rent at 30% of income
Rank in Michigan
52nd of 83
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $726 | $653–$799 | $29,040 | $13.96/hr | -1.2% |
| 1 bedroom | $863 | $777–$949 | $34,520 | $16.60/hr | +4.9% |
| 2 bedroom | $1,042 | $938–$1,146 | $41,680 | $20.04/hr | -2.3% |
| 3 bedroom | $1,242 | $1,118–$1,366 | $49,680 | $23.88/hr | -2.8% |
| 4 bedroom | $1,369 | $1,232–$1,506 | $54,760 | $26.33/hr | -3.0% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,574 | $1,417–$1,731 |
| 6 bedroom Estimate | $1,780 | $1,602–$1,958 |
| 7 bedroom Estimate | $1,985 | $1,787–$2,184 |
| 8 bedroom Estimate | $2,190 | $1,971–$2,409 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Chippewa actually rent for?
Search any address in Chippewa for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Chippewa somewhere between $938 and $1,146. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,042 a month is affordable, by HUD's 30% rule, on an income of roughly $41,680 a year. Put another way, $20 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$938 | Voucher pays at 100%$1,042 | Voucher pays at 110%$1,146 |
|---|---|---|---|---|
| $2,500 | $750 | $188 | $292 | $396 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went down 2% from FY 2026 ($1,066) to FY 2027 ($1,042). Since FY 2020 it's up 46% in total, about 5.6% a year. The Michigan median moved up 5% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $475 | $552 | $713 | $889 | $966 | — |
| FY 2021 | $507 | $584 | $769 | $956 | $1,043 | +7.9% |
| FY 2022 | $532 | $608 | $800 | $989 | $1,085 | +4.0% |
| FY 2023 | $594 | $675 | $888 | $1,081 | $1,193 | +11.0% |
| FY 2024 | $697 | $782 | $1,028 | $1,243 | $1,369 | +15.8% |
| FY 2025 | $701 | $780 | $1,023 | $1,233 | $1,356 | -0.5% |
| FY 2026 | $735 | $823 | $1,066 | $1,278 | $1,411 | +4.2% |
| FY 2027In effect | $726 | $863 | $1,042 | $1,242 | $1,369 | -2.3% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2027 that's October 1, 2026 through September 30, 2027. In Chippewa, that runs from $726 for a studio up to $1,369 for four bedrooms, all five rates in the table above.
Because Chippewa sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Kincheloe included.
Among Michigan's 83 counties, Chippewa ranks 52nd for two-bedroom FMR. That's about 4% below the state median of $1,085 and within a couple percent of the national median county at $1,063. About 36,295 people live here, 44th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,010 in 49715 (Brimley) and $1,200 in 49793 (Trout Lake), with the 16 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 49710 | Barbeau | $1,030 | -1.2% |
| 49715 | Brimley | $1,010 | -3.1% |
| 49724 | Dafter | $1,030 | -1.2% |
| 49725 | De Tour Village | $1,040 | -0.2% |
| 49726 | Drummond Island | $1,040 | -0.2% |
| 49728 | Eckerman | $1,040 | -0.2% |
| 49736 | Goetzville | $1,030 | -1.2% |
| 49748 | Hulbert | $1,040 | -0.2% |
| 49752 | Kinross | $1,040 | -0.2% |
| 49768 | Paradise | $1,040 | -0.2% |
| 49774 | Pickford | $1,030 | -1.2% |
| 49780 | Rudyard | $1,030 | -1.2% |
| 49783 | Sault Sainte Marie | $1,040 | -0.2% |
| 49784 | Kincheloe | $1,070 | +2.7% |
| 49785 | Kincheloe | $1,042County rate | — |
| 49786 | Kincheloe | $1,042County rate | — |
| 49788 | Kincheloe | $1,070 | +2.7% |
| 49793 | Trout Lake | $1,200 | +15.2% |
Nearby counties
Two-bedroom FMR, with how each compares to Chippewa.
Mackinac County
30 mi · 10,957 people
$1,057
+1%
Luce County
54 mi · 6,271 people
$1,014
-3%
Cheboygan County
55 mi · 25,865 people
$1,104
+6%
Emmet County
55 mi · 34,125 people
$1,336
+28%
Presque Isle County
72 mi · 13,209 people
$1,014
-3%
Charlevoix County
74 mi · 26,108 people
$1,119
+7%
Schoolcraft County
79 mi · 8,128 people
$1,014
-3%
Otsego County
87 mi · 25,584 people
$1,192
+14%
Questions people ask
$1,042 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $726 for a studio, $863 for one bedroom, $1,242 for three and $1,369 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in Chippewa actually go for?
HUD's number is one input. Search any address in Chippewa for a rent estimate built from nearby comps. Free to start, no card.
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